City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)

Ang City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Winston-Salem, North Carolina, na pinangangasiwaan ng Forsyth County Community & Economic Development (administering City of Winston-Salem CDBG/HOME funds under Interlocal Agreement). Down payment and closing cost assistance for first-time homebuyers purchasing within the city limits of Winston-Salem, funded by the City of Winston-Salem HUD CDBG and HOME funds. Under an Interlocal Agreement (Sept 21, 2023 - June 30, 2026), the City contracted Forsyth County Community & Economic Development to administer these funds for properties inside Winston-Salem city limits, through the County unified Homebuyer Assistance Program. Assistance is a 0% deferred silent second loan secured by a Deed of Trust with deed restrictions. Buyers must be first-time homebuyers at or below 80% AMI, complete HUD-approved homebuyer education, and occupy the home as their primary residence. Down payment and closing cost assistance. 0% deferred silent second mortgage. Repayment deferred 30 years while occupied as primary residence. Origination fees eligible up to 1.5%. Ang pondo ay mula sa City of Winston-Salem HUD CDBG and HOME funds (administered by Forsyth County CED via Interlocal Agreement).

Ipinagpaliban ang City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance), kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Due when first mortgage is paid in full, upon sale/transfer of title, cash-out refinance, change in owner-occupancy, foreclosure, default, or death; affordability/deferral period is 30 years per 24 CFR 92.254. Nakatala ang tulong bilang lien sa posisyong Subordinate (second/third) - Deed of Trust with deed restrictions; priority based on amount of assistance. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": First-time = no ownership interest in a principal residence during the 3-year period ending on purchase date (HUD/FHA), with standard displaced-homemaker/single-parent exceptions. Tungkol sa credit, sinasabi ng programa: Minimum 600 for AHOP-HOME (City CDBG/HOME track); 640 for NCHFA CPLP (660 for new manufactured homes). Lower of two scores used. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Center for Homeownership (Financial Pathways of the Piedmont), Winston-Salem; Housing Foundation of America, Greensboro. 8-hour HUD-approved class plus County Home Maintenance course. Requirement sa paninirahan: Property must be within the city limits of Winston-Salem (City CDBG/HOME funds). 0% deferred silent second loan; repayment deferred 30 years (HOME/AHOP affordability period) while occupied as primary residence; due when first mortgage is paid in full, on sale/transfer, cash-out refinance, foreclosure, default, or death. Occupy within 60 days. First mortgage rate must not exceed 1% above NCHFA published rates. 8-hour HUD-approved homebuyer education plus a Home Maintenance course required. Max cash back to buyer at closing $2,500. This is the Winston-Salem-only CDBG/HOME component of Forsyth County CED unified Homebuyer Assistance Program; cataloged Forsyth County AHOP serves the county excluding Winston-Salem and Walkertown. City-specific maximum dollar amount not separately published (left blank, not guessed); overall unified program max combined assistance is $90,000 (AHOP-HOME $40,000 + CPLP $50,000).

Nililimitahan ng City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Total household compliance income must not exceed 80% AMI for the Winston-Salem HUD area, adjusted for size. 2025 80% AMI (eff. June 1, 2025): 1p $48,550; 2p $55,500; 3p $62,450; 4p $69,350; 5p $74,900; 6p $80,450; 7p $86,000; 8p $91,550. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Ganito nililimitahan ng City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) ang presyo ng pagbili: May not exceed HUD-published Maximum Sales Price limits for Forsyth County, NC (updated annually); appraised value must be >= sales price. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Townhouse, Condo, Modular, at Manufactured. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) ang mga bibili ng bahay sa Winston-Salem, North Carolina. Mga target na kapitbahayan: City of Winston-Salem city limits.

Dumadaan sa Forsyth County Community & Economic Development (administering City of Winston-Salem CDBG/HOME funds under Interlocal Agreement) ang mga aplikasyon para sa City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng First-come, first-served until program funding is depleted. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.